Home    Subscribe    Contact    Login

How to Find the Best Pet Insurance

by Finy (follow)
Pet Care (139)      How To (64)      Pet Ownership (66)      Health (38)      Pet Insurance (2)     
Owning a pet can be expensive, especially when there is a medical emergency or chronic illness to manage. Pet insurance is a well established and widely available product- but be sure to shop around and do your homework.

Image courtesy of www.nationalseniorsinsurance.com.au Pet Insurance

There are many companies where you can take out pet insurance and some of these include:

Real Insurance

Image courtesy PetPlan

You can also use the insurance comparison website www.choosi.com.au to compare pet insurance.

Image courtesy of www.vetcross.com.au

There are many conditions and differences in companies and you need to read each policy to find out which one suits you the best.

Some companies offer discounts - Real Insurance offers a 10% discount after one year; Medibank offer a 10% discount for it's members but these are generally only for the first payment and to "get you in".

There are basically two large underwriters in Australia and these are Hollard Insurance Company and Allianz and both are sold by many companies.

Pet Plan by Allianz offer - "Genuine Covered for Life policies and 100% rebate on claims. This means that if your pet develops a chronic illness or disease, we will provide cover for treatment and medication for the rest of their life."

However you need to read the fine print in all these companies as with Allianz the fine print says there is an EXCESS!

Pet plan by Allianz

The main difference between the two underwriters is that Hollard offer up to 80% cover with your choice of annual limit and excess level whereas and Allianz offer 100% but have an excess on most claims.

You can usually take out three levels:

Accidental injury only;
Accidental injury or illness; or
Both of the above plus plus access to routine and preventive care benefits too.

However these also vary between each company.

I personally prefer the second one -injury and/or illness as I do not think the third option is worth it, and taking out just accident would be foolish.

Within this there are still many "rules" of what you can and cannot claim, and all of them do not cover cruciate ligament for the first twelve months, unless you have a certificate from your vet.

Most companies offer a 30 day money back guarantee, and I believe this is the law now.

Following is a clip about a well known vet which helps show how complex these operations/illnesses can be, and why insurance is so useful:

Most companies will insure an animal up until 7 years of age however, this is also dependent on the animal.

A myth about dogs and how to tell if you need a vet.

I went with Real Pet as spent hours checking into each one and in the end, was totally confused so went with the one that gave me a 10% discount after the first year if you continue with them.

I have had 2 claims and both were paid in a timely manner.

You MUST take the form to the vet each time, or some vets may have forms, but it is easier to download and print your own forms.

I found the vets took a while to send it in however the company was fairly quick in reimbursing me.

So, don't forget -you never know what might come up -I spent $1200 on one grass seed!

Image courtesy PetPlan

Do yourself a favour and take out pet insurance -better that you waste the money each year, than if you have a dog with a serious disease or injury and you have to find thousands to pay for it.


#How To
#Pet Insurance
#Pet Care
#Pet Ownership
I like this Article - 4
Do you have a pet story or helpful tips and tricks to share with other pet owners? You can get paid for submitting your original articles, product reviews or pet tips! Apply here.
More Articles by Finy
GEESE- Before I moved to a rural area, I had not had anything to do with geese, apart from having ...
Llamas are mostly very friendly animals
Indian Runners are the cutest of ducks -often described as a "wine bottle" looking duck
Llama's make wonderful family pets, provided you have enough space and time to care for them
It has always been said that man's best friend is a dog
My German shorthair pointer suffers from arthritis and is having injections every 3 or 6 months to h...
view all articles by Finy
Articles by Finy on Other Hubs
ID: 20818
[ Submit a Comment ]
Trending Articles
The laws about dogs vary from area to area
In some places it is **compulsory** to have dogs, both male and female, desexed, unless they are c...
Have you ever seen hamsters on television or in a video and thought what a cute pet one would make? ...
All animals need an annual vet visit just as humans need their check-up with the doctor
Don’t let your pet’s food and water dishes become a science experiment
Canine Dental hygiene is key part of maintaining your dog’s overall health and wellbeing
Shooting (pictures of!) dogs is like any other sort or photography with its own charms, quirks and...
**%%Loves Me, Loves Me Not?%%** Cats have always been a bit of an enigma…
We all enjoy the beauty that greenery and flowers bring inside our homes
When parents bring a new baby into their home, they take every precaution to make it safe
Dogs (152)
Cats (64)
Birds (13)
Horses (3)
Health (38)
Pets (29)
Feeding (25)
Safety (10)
Dog (5)
Summer (4)
Llamas (4)
Grief (3)
Diet (3)
Cat (3)
Toxic (3)
Fleas (3)
Fowl (3)
Dental (3)
Featured on Other Hubs
As well as being a way to create warm garments and rugs, knitting can have health benefits
Copyright 2012-2017 On Topic Media PTY LTD. ABN 18113479226. mobile version